Terms
Last Updated: January 13, 2026
Important: Please read these Terms of Service carefully before using our website or services. By accessing or using our services, you agree to be bound by these terms.
1. Acceptance of Terms
By accessing and using the website and services of [Company Name] ("Company," "we," "us," or "our"), you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.
2. Services Overview
We provide life insurance brokerage and advisory services, connecting clients with appropriate life insurance products from various carriers. Our services include:
Life insurance needs analysis and consultation
Product comparison and recommendations
Application assistance and support
Ongoing policy review and service
3. Not Legal or Financial Advice
The information provided through our website and services is for general informational and educational purposes only. It does not constitute legal, financial, tax, or accounting advice. We recommend consulting with qualified professionals regarding your specific situation before making any insurance or financial decisions.
4. Insurance Licensing and Representation
Our agents are licensed insurance professionals authorized to sell life insurance products in specific states. We act as independent insurance agents/brokers and represent multiple insurance carriers. We do not work for any single insurance company but rather work on behalf of our clients to find suitable coverage options.
4.1 State Licensing
Our services are only available in states where our agents are properly licensed. By submitting an inquiry or application, you confirm that you are a resident of a state where we are licensed to conduct business.
4.2 Carrier Relationships
We maintain contractual relationships with multiple insurance carriers and may receive compensation from these carriers for policies sold. This compensation does not affect the premium you pay for coverage.
5. No Guarantee of Coverage
We do not guarantee that any insurance application will be approved or that coverage will be issued at any particular rate or with any specific terms. All applications are subject to underwriting review and approval by the insurance carrier. The final decision regarding coverage, rates, and terms rests solely with the insurance company.
6. Accuracy of Information
You agree to provide accurate, complete, and truthful information during the consultation and application process. Providing false or misleading information may result in:
Denial of coverage
Cancellation of a policy
Denial of claims
Legal consequences
We are not responsible for any consequences resulting from inaccurate or incomplete information you provide.
7. Privacy and Data Protection
We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our services, you consent to our privacy practices as described in our Privacy Policy.
7.1 Information Sharing
By engaging our services, you authorize us to share your information with insurance carriers, medical examination services, and other third parties necessary to process your application and provide ongoing service.
8. Website Use and Restrictions
You agree to use our website only for lawful purposes. You shall not:
Use the website in any way that violates any applicable federal, state, or local law
Attempt to gain unauthorized access to our systems or networks
Transmit any viruses, malware, or other malicious code
Engage in any conduct that restricts or inhibits anyone's use of the website
Use automated systems to access the website without our written permission
Copy, reproduce, or distribute content from our website without authorization
9. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of [Company Name] or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without our express written permission.
10. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to review the terms and privacy policies of any third-party sites you visit.
11. Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that:
Our website or services will be uninterrupted, timely, secure, or error-free
The results obtained from using our services will be accurate or reliable
The quality of any products, services, information, or other material obtained through our services will meet your expectations
Any errors in our website or services will be corrected
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, [COMPANY NAME], ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH:
Your use or inability to use our website or services
Any unauthorized access to or use of our servers and/or any personal information stored therein
Any interruption or cessation of transmission to or from our website
Any bugs, viruses, or similar items transmitted through our website by any third party
Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted or transmitted through our services
13. Indemnification
You agree to defend, indemnify, and hold harmless [Company Name], its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with:
Your access to or use of our website and services
Your violation of these Terms of Service
Your violation of any third-party rights, including intellectual property or privacy rights
Any false or misleading information you provide
14. Communication and Electronic Signatures
By using our services, you consent to receive communications from us electronically, including via email, text message, or posting notices on our website. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.
You also agree that your electronic signature has the same legal effect as a handwritten signature.
15. Termination
We reserve the right to terminate or suspend your access to our website and services at any time, without prior notice or liability, for any reason, including if you breach these Terms of Service.
16. Changes to Terms
We reserve the right to modify or replace these Terms of Service at any time. We will provide notice of any material changes by posting the new Terms of Service on this page and updating the "Last Updated" date. Your continued use of our website or services after any changes constitutes acceptance of the new terms.
17. Governing Law and Dispute Resolution
These Terms of Service shall be governed by and construed in accordance with the laws of the State of [STATE], without regard to its conflict of law provisions.
17.1 Arbitration
Any dispute arising from or relating to these Terms of Service or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.
17.2 Class Action Waiver
You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. To the fullest extent permitted by law, you agree that no arbitration or proceeding shall be joined with any other, no dispute shall be heard as a class action, and you waive any right to participate in a class action against us.
18. Severability
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Service shall otherwise remain in full force and effect.
19. Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and [Company Name] regarding our services and supersede all prior agreements and understandings, whether written or oral.
20. Contact Information
If you have any questions about these Terms of Service, please contact us: [email protected]